Choose 1% Cash Back on Everyday Purchases2

With our VisaPlatinum Credit Card, you can earn reward points on everyday purchases like gas, groceries and restaurants. In our Points Plus Rewards program, new cardholders are automatically enrolled. Get 1 reward point for every dollar you spend beginning with your first purchase2. Watch how quickly your points add up and redeem them for 1% cash back, products, travel, gift cards and more!2

Save on Interest

Low rates for new cardholders. 0% introductory APR on purchases for 7 billing cycles after account opening1, then 14.24% to 17.99% APR after.

Only pay for what you’ve purchased. Shop online or in-store knowing you're protected from most unauthorized use of your card or account information.4 Purchase security let's you shop with confidence. Virtually everything you buy with your Visa credit card is protected from theft or damage for up to 90 days after the purchase date.3

Emergency Cash & Card Replacement

Hancock or Hancock Bank Visa® credit cards are issued by Whitney Bank. “Hancock Bank” is the trade name used by Whitney Bank in offering and providing banking products and services through Whitney Bank’s locations in Mississippi, Alabama, and Florida. Therefore, Whitney Bank will own all approved credit card accounts and sponsor any related rewards programs.

1Introductory and Regular Annual Percentage Rates: For the first seven complete billing cycles after your account is opened, the Annual Percentage Rate (APR) for Purchases made under your account will be 0.00%. For the first twelve complete billing cycles after your account is opened, the Annual Percentage Rate (APR) for Balance Transfers made under your account will be 1.90%. We will deem your account to be opened 10 days after we mail your credit card to you. Beginning on the first day of the eighth complete billing cycle after your account is opened for Purchases, your APR will be from 14.24% to 17.99%, based on your creditworthiness when you open your account. Beginning on the first day of the thirteenth complete billing cycle after your account is opened for Balance Transfers, your APR will be from 14.24% to 17.99%, based on your creditworthiness when you open your account. These APRs will vary with the market based on the Prime Rate. The Index is The Wall Street Journal U.S. Prime Rate as designated in the “Money Rates” section of The Wall Street Journal. The current APR for Purchases and Balance Transfers for the Platinum Card is 14.24% to 17.99%, effective as of 01/16/18. The APR for Cash Advances will vary with the market based on the Prime Rate. The Index is The Wall Street Journal U.S. Prime Rate as designated in the “Money Rates” section of The Wall Street Journal. The current APR for Cash Advances for the Platinum Card is 18%, as of 01/16/18. Any change in the Index will result in a change in the APRs for Purchases, Balance Transfers and Cash Advances. Also, there is no time period within which you may pay to avoid the assessment of interest on Balance Transfers or Cash Advances because interest will accrue on any Balance Transfer from the posting date and on Cash Advances from the date of the transaction until it is paid in full. Additionally, a Balance Transfer Fee of 3% of the amount of each balance transfer up to a maximum of $50 per Balance Transfer, and a Cash Advance Fee of 3% of the amount of each cash advance will apply.

2To earn rewards points, purchases must be eligible credit card transactions. Eligible credit card transactions include any signature-based transaction made using your credit card account, net of any returns, credits or adjustments. Purchases that are initiated fraudulently or with a lost, stolen, counterfeit or cancelled card, gaming-related purchases, cash access transactions (such as, but not limited to, cash advances, the purchase of travelers cheques, money orders or cashier's checks), cash access transactions designated as purchases and account fees or finance charges, if any, are not eligible credit card transactions. In addition, PIN-based transactions made using your credit card account are not eligible credit card transactions. Other restrictions may apply.